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My objective is to help assure and insure dollars for future delivery. I strive to accomplish this by working with, and advocating for, clients while addressing their specific retirement, investment, and insurance needs.

I set out to be a valuable and most trusted financial partner for money/life management in the community in which we live and work.

Your Future

In 10 or 20 years time when you're enjoying a round of golf funded by a carefully designed retirement income plan, or your child graduates from university debt-free because of an education savings plan, at Ian C. Moyer Insurance Agency we'll be proud to say, we helped make that happen!

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Recent Articles of Interest

A writer for the CARP (formerly Canadian Association of Retired Persons) offers his wife's account of acting as executor of her father's will, showcasing a timeline of typical errands for an executor shortly after the estate-holder's passing.

The legal team at Pallett Valo LLP provides an in-depth look into the recent amendments to the Estate Administration Tax Act (EAT) of Ontario - commonly referred to as "probate taxes." The article gives a very detailed account of the administration of EAT and its changes, particularly the ramifications for executors of wills in Ontario.

New Ontario probate rules effective January 1, 2015 will require a more detailed and documented estate valuation from executors during the probate process. Mackenzie Investments discusses the particulars of these new laws and the implications for executors and those planning their estate.

Leanne Kaufman at the Financial Post gives an overview of the probate process in Canada - the process by which an executor of an estate and the corresponding will are legally recognized and confirmed. The primary benefit of probate is that most bank and securities accounts can only be transferred after an executor has been authorized by probate; while, the clear downside to probate is that it triggers taxes on the value of the estate.

Life Insurance Tools

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We're based in the heart of Ingersoll, Ontario, and we aim to serve southwest Ontario with impartial, professional financial security planning advice. We won't sell you insurance you don't need, or suggest plans that are beyond your budget. We don't hide behind a website or a telephone either; our office door is open if you want to drop by, or schedule an appointment. We want to meet you, get to know you, and discover how we can help you provide for your family, your business or the future.

Life Insurance Companies

Sun Life

Sun Life is a leading Canadian-based international financial services company, offering a diverse range of insurance and investment products that meet the needs and goals of our customers.

A.M. Best Company rates Sun Life Assurance Company of Canada’s Financial Strength as A+ (Superior)

Canada Life

Founded in 1847, Canada Life provides a wide range of insurance and wealth management products and services for individuals, families and business owners from coast to coast.

Since 1896, Wawanesa has insured people in their work and in their play. Wawanesa Life has been a proud member of the Wawanesa family since 1960. Wawanesa Life offers a full line of individual life insurance and annuity products, as well as group insurance products.

Great-West Life is a leading Canadian insurer. We offer a broad portfolio of financial and benefit plan solutions for individuals, families, business owners and organizations.

A.M. Best Company rates Great- West Life’s Financial Strength as A+ (Superior)

About Us

At Ian C. Moyer Insurance Agency Inc., we have just one goal; to ensure your hard-earned dollars work hard for your retirement, investments and insurance needs.

As experienced financial security advisors, we've helped hundreds of people like you plan for their future by managing their investments and helping to provide them financial independence so they can enjoy the lifestyle or retirement they envision.

We've insured hundreds of people in Ontario so they can enjoy a lifestyle or retirement that is protected from the financial impact of critical illness or disability.

We've helped many plan their estates so their families get the benefits, not the tax man. In a nutshell, we offer financial security planning services for everyone, not just the well off.

We can advise you on a range of essential insurance and investment services including:

Retirement & investment solutions

Registered savings accounts

Pensions and annuities

Estate planning & probate

Life insurance

Disability insurance & critical illness insurance

Health & dental coverage

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We're based in the heart of Ingersoll, Ontario, and we aim to serve southwest Ontario with impartial, professional financial security planning advice. We won't sell you insurance you don't need, or suggest plans that are beyond your budget. We don't hide behind a website or a telephone either; our office door is open if you want to drop by, or schedule an appointment. We want to meet you, get to know you, and discover how we can help you provide for your family, your business or the future.

Concepts and Ideas

Two questions have to be asked with regard to RRSPs: "when do I start to withdraw?" and "how much do I withdraw?" Unfortunately there is no cookie-cutter answer for either of these questions; every situation is unique. Does the retiree have a defined benefit pension plan or one that is defined contribution? Is he or she planning to retire early, at age 65, or later?

An annuity is a retirement income tool where a single lump sum is paid as a premium to an insurance company in exchange for a policy that generates a stream of income. This policy can be based on single or joint lives, it can provide level income or adjusted each year for inflation, and the annuity can either be paid for life or for a specified term.

Understanding the differences between term insurance and permanent insurance will help you to choose a product that best reflects your risks and your needs. Term Insurance provides a fixed amount of coverage typically for periods of 10 and 20 years and then expires when the owner reaches a certain age (i.e. 85). After each specified period or “term,” the insurance renews automatically and the cost of the insurance renews at an increased premium.